Frequently Asked Questions

ACSA Membership:

Q: Do I need to be a member of the ACSA to enroll in the student health insurance?
A: Yes.

Q: When I enroll online, do I have to pay for my insurance with my credit card online?
A: No, you can choose “mail in payment”, complete the enrollment form and mail with your check, money order or credit card information.

Q: Once I join ACSA, do I need to re-apply for membership?
A: No, when you create your username/email address and password, you are a member for as long as you are a college student or graduate. Please keep your username and password in a safe place for access to your personal information. NOTE: password is case sensitive.

Online Enrollment:

Q: Can I complete the enrollment card on line and mail in payment?
A: Yes, select the mail in payment option, complete the information, and print and mail with payment to the address printed on the form.

Q: Can I pay by credit/debit card or electronic check?
A: Yes, select online credit card payment option and complete the information.

Q: Can I print a blank copy of the enrollment form?
A: Yes. Select the plan you are interested in, then click on "Printable Enrollment Form".

Q: I tried to enroll for the insurance plan and have received a message that states my email address is already on file. What does this mean?
A: You previously entered a username/email address and password. You must log on and select Member Services, then enter the username/email address and password that you previously set up. If you do not remember your username and/or password, please email us at info@acsa.com and we will reset your password. Please furnish us your first and last name.

Q: If my school is not listed, am I still eligible to apply?
A: Yes, if your school is not listed, please select next step and continue the enrollment process.

Eligibility:

Q: Am I eligible for the insurance policy?
A: Yes, if you are:

1. Enrolled in a college, university, community college or technical school.
2. A registered undergraduate student taking 6 or more hours (3 hours during the Summer session)
3. Graduate student taking 3 or more hours and/or registered for thesis or dissertation (maximum one year if not taking credit hours)
4. A student taking classes via the Internet (you would have to be registered for and taking classes on campus in order for internet classes to qualify)
5. Or a student who is considered to be taking a full-time course load in their field of study is eligible to enroll in the plan on a Voluntary basis.

Note: You must actively attend classes for at least 31 days after the effective date of coverage. Coverage may be effective 15 days prior to the first day of classes.

Massachusetts Insured: All registered students taking 9 or more credit hours are eligible to enroll in this plan on a hard waiver basis. All other registered students taking less than 9 credit hours are eligible to enroll on a voluntary basis.

Note: Students must actively attend classes for at least 31 days after the effective date of coverage.

Q: If I am not an International Student, can I enroll in the International Student Plan?
A: No

Q: Do I need to attend a particular school to be eligible for this plan?
A: No, as long as you meet the eligibility requirements of the plan, you may enroll.

Policy Effective Dates of Coverage:

Q: When can I begin my policy?
A: You can enroll in the plan at any time throughout the year as long as you meet the eligibility requirements at the time your policy is purchased. Requested effective date can be 15 days prior to your first date of attending classes. Students must actively attend classes for at least 31 days after the first official day of class, after the date for which coverage is purchased. Your plan will begin on the date that premium is received, or date requested, whichever is later. If you select online credit card payment, coverage can begin that day unless you request a later effective date.

Q: When does my policy expire?
A: If you select quarterly, your plan will expire 3 months from the effective date. If you select semi-annually, your plan will expire 6 months from the effective date. If you select 9 months, your plan will expire 9 months from the effective date. If you pay annually, your plan will expire 12 months from your effective date. You can renew your plan at each of these intervals as long as you still meet the eligibility requirements.

Premium Payment:

Q: When can I enroll in the student health insurance plan?
A: Any time throughout the year, as long as you meet the eligibility requirements when making payment.

Q: Do I have to make an annual payment at the beginning of the year?
A: No, you have the option of making the entire annual payment, or installment payments of 9 months, 6 months or 3 months.

Q: Can I pay monthly?
A: No, the lowest payment option available is quarterly.

Q: Will I receive a renewal or installment premium notice?
A: It is the student’s responsibility to make timely renewal payments to avoid a lapse in coverage. Please mark your calendar!

Q: The policy states that I cannot make an annual payment after 10/31/05. Does this mean I cannot enroll in the plan after that date?
A: No, after 10/31/05 you can enroll for 9, 6 or 3 months. After 01/31/06 you can enroll for 6 or 3 months. after 04/30/06 you can enroll for 3 months.

Benefits:

Q: What is my deductible?
A: $100 for each injury or sickness.
Massachusetts Insureds please see "Summary of Benefits".

Q: Do you have a list of providers?
A: No. You can go to the provider of your choice.

Q: Will any provider accept your insurance?
A: It is up to the individual provider. If they do not accept insurance, you must pay the charges, submit the receipts and be reimbursed by the company.

Q: What does Inpatient mean?
A: Inpatient is when the insured is admitted overnight in the hospital.

Q: What does Outpatient mean?
A: Outpatient is when the insured does not have an overnight stay in the hospital.

Q: What does Paid under Outpatient Miscellaneous mean?
A: There is an Outpatient Miscellaneous benefit listed in the schedule of benefits. Any services which state “Paid under Outpatient Miscellaenous” will be paid under the maximum listed.

Q: Under the High Option Plan, what is the Optional Major Medical Benefit?
A: Optional Major Medical will begin payment after the insurance company has paid out $50,000 in covered medical expenses for each injury or sickness under the Basic Plan. After the company has paid out $50,000 in benefits for each injury or sickness, the Optional Major Medical policy will pay for covered procedures between $50,000 and $100,000.

Massachussets Domestic Students: After the company has paid out $25,000 in benefits for each injury or sickness, the Optional Major Medical policy will pay for covered procedures between $25,000 and $50,000.

Massachussets International Students: After the company has paid out $50,000 in benefits for each injury or sickness, the Optional Major Medical policy will pay for covered procedures between $50,000 and $100,000.

Renewing my insurance plan:

Q: Will I receive a renewal notice?
A: Renewal notices are mailed out approximately 2-3 weeks prior to your expiration date of your policy. Mark your calendar, it is your responsibility to make timely renewal payments. If you do not receive a renewal notice, please visit our website, login and select apply or renew.

Q: Do I need to meet the eligibility requirements each time I make a renewal payment?
A: Yes. EXCEPTION: If you are making a renewal payment over the summer quarter and you are not taking summer courses, you can renew your plan as long as you were insured the quarter prior to the summer quarter and do not have a lapse in coverage.

Contact Information:

Q: I have submitted an application and want to know if my premium has been received.
A: Please contact Student Resources 800-793-0251.

Q: I have questions about the enrollment process for insurance. Who do I contact?
A: Please contact ACSA at 888-488-2272, 888-526-2272 or 800-793-0251.

Q: I have a question regarding benefits of the plan. Who do I contact?
A: Please contact the insurance company directly at 800-505-5450. Please tell them you are calling regarding the American College Student Association Plan.

Q: I have filed a claim and have questions regarding my submission. Who do I call?
A: Please contact the insurance company at 800-767-0700. Please tell them you are calling regarding the American College Student Association Plan.

Q: I need a letter of verification for my insurance plan. Who should I contact?
A: Please call 800-793-0251 and they will mail or fax a verification letter.

Health Insurance Portability and Accountability Act of 1996 (HIPAA)

Q. When an individual reaches the age of majority or becomes emancipated, who controls the protected health information concerning health care services?
A. The individual who is the subject of the protected health information can exercise all rights granted by the HIPAA Privacy Rule with respect to all protected health information about him or her. Generally, the parent would no longer be the personal representative of his or her child once the child reaches the age of majority or becomes emancipated, and therefore, would no longer have access to the health information about his or her child. Of course, any individual may designate a personal representative – which may include a parent – who can exercise rights on his or her behalf.

Q. Can the personal representative of an adult or emancipated minor obtain access to the individual's medical record?
A. The scope of access will depend on the authority granted to the personal representative by other law. If the personal representative is authorized to make health care decisions, generally, then the personal representative may have access to the individual’s protected health information regarding health care in general.

Q. How can I obtain a "Personal Representative Form"?
A. Login under member services and print the Personal Representative Form.

Q. Where do I mail the form?
A.  Student Insurance
     Attn: Customer Service
     PO Box 809025
     Dallas, TX 75380-9025
     Or
     Fax to 972 392-6507